Enjoy your medical JB no voters.

[jonjuan]

Hook line and sinker ... Hook line and sinker.

Says the guys who continually vote down union representation.

 

[Dizel8]

JJ,

You have a point, and yes there might be a place for a high deductible plan, apparently you like it, I think most won't, but that is just my guess. Particularily not if it is the ONLY choice.

I cannot say how it will play out here, but I think you are entertaining a bit of a dream, if you think the low deductible plan isn't also on the chopping block.

It's too easy for them to take and so hard to gain it back.

Premiums and deductibles are already much higher here than other places. Yet, they want more and being non union, they are able to do just that.

"Thank you Sir, may I have another!"

 

[Splert]

Having a high deductible still covers you, but at a well, higher deductible. Cancer, broken stuff, covered.
I never insinuated that a high deductible is for everyone. It does have it's place, however, for low users of the medical establishment (older, fatter, kids). If I have major surgery now, my deductible is only $4K which is paid out of the HSA we have accrued. Every penny on top is covered. 100%. When we have kids, you better believe we will switch to a lower deductible, higher premium plan and use all the jack we have saved to pay the premiums and deductibles.
Now, jblu going to an all high deductible HSA plan? Well, that's what unions Help protect from. Get a union to protect from this, quit and join a union shop, or suck it up. Management, is management, is management.

You were lucky.

Your HRA has worked because you did not need it. You bought into the idea that behavior determines medical expenses and that is just flat out wrong.

The idea that you will participate in the HDMP until you need it is exactly the thinking that will cause the low deductible plan to be terminated.

You are falling hook line and sinker for the ploy of driving so called healthy employees to the HDMP and high users to the low deductible plan.

It is simple math at that point. The low deductive plan will become unsustainable because there are not enough low users to fund the expenses of others. That is the principle of insurance - all insurance. Except YOU then go one step further and try to pin these expenses upon the high users behavior. It doesn't work that way over an entire population. For every fat guy with with a cardio issue there is a skinny guy with a cardio issue because has more to do with family history than whether they eat granola.

 

[a320drivr]

And keep in mind JB is the only airline that kicks their pilots off the company insurance when on disability. Enjoy paying your medical expenses when on disability. Medical bankruptcy.

 

[jonjuan]

You were lucky.

Your HRA has worked because you did not need it. You bought into the idea that behavior determines medical expenses and that is just flat out wrong.

The idea that you will participate in the HDMP until you need it is exactly the thinking that will cause the low deductible plan to be terminated.

You are falling hook line and sinker for the ploy of driving so called healthy employees to the HDMP and high users to the low deductible plan.

It is simple math at that point. The low deductive plan will become unsustainable because there are not enough low users to fund the expenses of others. That is the principle of insurance - all insurance. Except YOU then go one step further and try to pin these expenses upon the high users behavior. It doesn't work that way over an entire population. For every fat guy with with a cardio issue there is a skinny guy with a cardio issue because has more to do with family history than whether they eat granola.

First of all it's an HSA. Big difference. Secondly, I am not lucky. I have employed a strategy which has put a ton more money in my future healthcare account while not affecting my healthcare coverage one bit. I don't rely on the whims of management to determine what my coverage and costs will be. Apparently, you do.
I don't expect social security to be around when I retire. Apparently many do and don't plan for the possibility of its demise. Just as many don't plan for the demise/erosion of company healthcare plans. Good luck either way.

 

[Splert]

First of all it's an HSA. Big difference. Secondly, I am not lucky. I have employed a strategy which has put a ton more money in my future healthcare account while not affecting my healthcare coverage one bit. I don't rely on the whims of management to determine what my coverage and costs will be. Apparently, you do.
I don't expect social security to be around when I retire. Apparently many do and don't plan for the possibility of its demise. Just as many don't plan for the demise/erosion of company healthcare plans. Good luck either way.

The pilot or family member who develops MS failed to plan?

Huh?

The only way you can put a 'ton more money' in a HSA or HRA is being lucky with your health and your spouses health.

If you don't realize that luck is not scaleable across 1000's of your fellow employees and you instead blame them for not being as smart as you (your plan) or that you made better choices (healthy choices) then you really have no idea that the major driver of most major catastrophic diseases and illness is NOT life style choices; it is genetics (family history).

If you had anything to do with your family history or which family you were born into then - you are correct you are smarter than everyone else.

I think you are just a Dumass, who thinks his situation is scalable for 1000's of other employees and their families and a person how was quick to fall for the talking point that "unhealthily choices are the major driver of the growth in health care expenses". That is total crap. The growth is simply technology and access to it.

If you want to lower the cost of health care then we have to limit access to it and that is what a CHDP does. It gives a $10.00 hour ramper a $2,500 deductible not because it make them 'healthier' but because it is cheaper for the company.

Check back in a year or two when your planned move back to the low deductible plan fails because it is no longer sustainable.

 

[CE560XLPLT]

No union will be able to change the healthcare issue that is being created for everyone who works for a large company come 2014. Thanks to Obamacare, most large companies are transitioning to these high deductible plans and will ultimately dump all health insurance and pay the $2000 per employee fine. No union can change the laws of this country nor the greed of these companies!

 

[Splert]

No union will be able to change the healthcare issue that is being created for everyone who works for a large company come 2014. Thanks to Obamacare, most large companies are transitioning to these high deductible plans and will ultimately dump all health insurance and pay the $2000 per employee fine. No union can change the laws of this country nor the greed of these companies!

Incorrect.

 

[jonjuan]

Angry much? $28K HSA account and growing with a $5K MAX deductible should cover my impending MS nicely. If you think people's lifestyle choices have no effect on growing healthcare costs, then I'm not sure logic plays a part in your world. There's a direct correlation between lifestyle and health costs. Using the example of lance Armstrong and cancer is a straw man argument. A "dumass" in your words, has no catastrophic insurance. That's why I have a supplemental cancer policy with Aflac. Think your company insurance sufficiently covers you? What if you have to quit your job to take care of the kids because your spouse can't care for themselves? I bring this up because my cousin had lymphoma, but had a supplemental policy which entirely paid for his lost income and every single penny he would have otherwise had to pay for had he simply been covered by a traditional low deductible (or high deductible) plan. Your best bet to keep costs controlled is to bring a union on board.
Here's what will drive healthcare costs thru the roof very soon. Take a guess why America has the largest % of adult onset diabetes in kids in the world?
http://www.foxnews.com/health/2012/06/14/does-america-have-diabetes-death-wish/

Good luck, and I truly mean that with the costs if your company is unwilling to take care of you.

 

[Splert]

"There's a direct correlation between lifestyle and health costs."

Show us the research that these costs materialize during your working years. They don't. You have ben snookered and lucky at the same time. Because in the meantime A HDMP shifts the risk to you under the false argument that a Healthy Lifestyle will save you money. The only action that saved you money is NOT using health care services.

Did your cousin have 28k in his HSA too? How much now since he/she will require at least 10 years off annual follow up and high tech diagnostic testing.

Let see: at least a $1,250 deductible plus $5,000 in out of pocket maximums expenses. I give your nest egg about 4 years with lymphoma. You are lucky. Oh ... you said you will switch back to the low deductible plan. So now only those who are sick are on the low deductible plan? Are you for real? No really are you a child or a fake? Your so called low deductible plan is unsustainable with only sick employees on the plan. Insurance is health paying for sick and your plan is fundamentally impossible in the long run.

HDMP just shift costs and risk to the employee and some employees, this is you, suck it up.

AFLAC? You changed subjects. BTW I'm a 3 time President Club winner and 7 time convention winner for the American Family Life Assurance Company.

Best parties in the world are AFLAC Conventions and President Club Trips.

My associate number is M275X.